---
type: "industry"
title: "Automotive APIs | Vehicle Verification, Insurance & Fleet | Eko"
description: "RC, vehicle verification, and DL APIs for India's automotive sector. VAHAN national database. Sub-2-second response. Motor insurance, auto finance, fleet compliance."
keywords: "automotive api india, vehicle verification api india, rc api for auto finance, motor insurance api, vahan api india, used car verification api"
slug: "automotive"
category: "sector-specific"
canonical: "https://eps.eko.in/industries/automotive"
---


> **Canonical URL:** https://eps.eko.in/industries/automotive
> _This is a machine-readable Markdown version of the page for AI agents and LLMs. The primary (HTML) version lives at the canonical URL above._

# Automotive APIs for vehicle verification, financing & insurance

Auto-fill insurance proposals, verify vehicle ownership for financing, and check fleet credentials in seconds — Eko's automotive APIs connect directly to the VAHAN and Sarathi national databases.

To get started, fill the form at https://eps.eko.in/signup (with your name and mobile number) or call us at +919513181707

## Trust Signals

- VAHAN National Database
- Sub-2-Second Response
- 99.9% Uptime

## The Challenge

India's automotive sector processes millions of insurance renewals, vehicle loan disbursals, and used-car transactions every year — all requiring accurate vehicle data that customers often misremember or misrepresent. Manual RC lookups and physical document verification add hours or days to what should be instant transactions.

Eko's Vehicle Verification and RC APIs tap directly into VAHAN 4.0 — returning verified make, model, engine, chassis, ownership, and insurance status in under 2 seconds. This enables instant insurance quotes, fraud-proof loan origination, and automated fleet compliance at scale.

## Recommended Solution Packs

### Motor Insurance Pack _(featured)_
Auto-fill vehicle details, verify ownership, and check DL risk profile — instant motor insurance quotes without manual data entry.

**Includes:** Vehicle Verification, RC Verification, DL Verification, PAN Verification

[View solution pack](https://eps.eko.in/solutions/motor-insurance-pack)

### Fleet Compliance Pack
Maintain RC, insurance, and DL compliance across vehicle fleets with daily automated checks.

**Includes:** RC Verification, Vehicle Verification, DL Verification, Reverse Geocoding

[View solution pack](https://eps.eko.in/solutions/fleet-compliance-pack)

## Recommended APIs

| API | Description | Relevance | Link | Markdown Link |
| --- | --- | --- | --- | --- |
| Vehicle Verification | Fetch make, model, fuel type, chassis, engine, and blacklist status from VAHAN | High | [Details](https://eps.eko.in/products/vehicle-verification-api) | [Markdown](https://eps.eko.in/products/vehicle-verification-api.md) |
| RC Verification | Owner details, registration status, and insurance expiry from VAHAN | High | [Details](https://eps.eko.in/products/rc-verification-api) | [Markdown](https://eps.eko.in/products/rc-verification-api.md) |
| DL Verification | Validate driver licence validity, vehicle categories, and suspension status | High | [Details](https://eps.eko.in/products/dl-verification-api) | [Markdown](https://eps.eko.in/products/dl-verification-api.md) |
| PAN Verification | Policyholder and loan applicant identity verification | High | [Details](https://eps.eko.in/products/pan-verification-api) | [Markdown](https://eps.eko.in/products/pan-verification-api.md) |
| Bank Account Verification | Validate EMI payout and claims settlement accounts | Medium | [Details](https://eps.eko.in/products/bank-verification-api) | [Markdown](https://eps.eko.in/products/bank-verification-api.md) |
| Aadhaar Verification | KYC for loan applicants and policy purchasers | Medium | [Details](https://eps.eko.in/products/aadhaar-verification-api) | [Markdown](https://eps.eko.in/products/aadhaar-verification-api.md) |

## Use Case Scenarios

### Instant motor insurance renewal
**Situation:** An insurer wants to let customers renew two-wheeler insurance in under 60 seconds via a mobile app.

**Integration:** Customer enters registration number → Vehicle Verification auto-fills make/model/year → RC Verification confirms previous policy and NCB → instant premium calculated → policy issued.

**Outcome:** Renewal flow time cut from 8 minutes to 45 seconds. Renewal conversion rate doubled.

### Used-car loan origination without RC fraud
**Situation:** An auto-finance NBFC processes 5,000 used-car loan applications per month and sees 3% fraud from misrepresented vehicles.

**Integration:** Vehicle Verification API confirms chassis, engine, and hypothecation status on application submission — before any field visit.

**Outcome:** Vehicle fraud rate reduced to near zero. Field visit requirement eliminated for 80% of applications.

### Dealership service contract verification
**Situation:** An auto dealership network verifies vehicle ownership before each service appointment to prevent unauthorised servicing.

**Integration:** RC Verification confirms current registered owner matches the customer. DL Verification checks driver's licence for liability purposes.

**Outcome:** Unauthorised service claims eliminated. Duplicate warranty fraud reduced 90%.

## Why Eko

### Direct VAHAN 4.0 integration
99%+ coverage of India's 300+ million registered vehicles across all 36 state RTOs.

### Auto-fill everything
One registration lookup fills make, model, fuel, engine, chassis, owner, and insurance history.

### Stolen & hypothecated check
Vehicle Verification returns blacklist and hypothecation status — critical for used-car lending.

## Integration Steps

1. **Sign Up** — Create an account on Connect App and get your sandbox credentials.
2. **Submit KYC** — Complete your business KYC verification process.
3. **Integrate APIs** — Use our comprehensive documentation to integrate the APIs.
4. **Test in Sandbox** — Test your integration thoroughly in our sandbox environment.
5. **Go Live** — Get production credentials and start processing real transactions.

## Compliance

### IRDAI KYC norms
PAN and Aadhaar verification meet IRDAI policyholder identity requirements for all motor policy types.

### Motor Vehicles Act 2019
RC and DL data sourced from authoritative VAHAN/Sarathi databases — same data used by traffic enforcement.

## FAQs

### What data does the Vehicle Verification API return?
Make, model, variant, fuel type, engine number, chassis number, registration date, owner name, hypothecation status, and financing institution (if financed).

### Does the API check for stolen vehicles?
Yes. Vehicle Verification returns VAHAN's blacklist status — stolen vehicles registered in the system are flagged in the API response.

### Can I check vehicles registered in any state?
Yes. VAHAN is a national database — RC and vehicle data for any registration number, regardless of originating state, is accessible via a single API call.

### How current is the insurance data?
Insurance data in VAHAN is typically updated within 24–72 hours of a policy being issued or renewed.

## Related Industries

- [Insurance](https://eps.eko.in/industries/insurance) ([markdown](https://eps.eko.in/industries/insurance.md))
- [Logistics & Fleet](https://eps.eko.in/industries/logistics-fleet) ([markdown](https://eps.eko.in/industries/logistics-fleet.md))
- [Lending & NBFC](https://eps.eko.in/industries/lending-nbfc) ([markdown](https://eps.eko.in/industries/lending-nbfc.md))